When comparing sensitivities of films, meters and the eye, one must compare not the peaks but rather the area under the entire curve.

Also, the eye is linear and has the capability to extend its sensitivity in darkness and bright light by changing sensitivity and effective "speed". In addition, the meter and films are not linear and have a pronounced toe and shoulder which the eye does not have by virtue of its variable sensitivity.

This has no simple answer and requires a lot of understanding of the entire topic. Some of it is loaded with concepts that are best explained by math.